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Home Buying in Conyers : Real Estate Advice

  • All205
  • Local Info17
  • Home Buying59
  • Home Selling3
  • Market Conditions8

Activity 70
Sun Sep 17, 2017
Solomon Greene answered:
Hello,

That credit score alone won't bar you from obtaining a mortgage. In fact, that score combined with other sound factors often makes borrowers look pretty good. But more goes into the credit approval than the score. I've known borrowers with bankruptcies, foreclosures and other credit challenges with higher credit scores than 667. Persons self employed for less than two years are another group who often meet challenges when applying for a mortgage.

If this credit score accompanies sound income from some time on the job, a history of at least 12 months of on time payments and no recent credit issues like those described above, you may very well qualify for a few types of mortgage loans, some even available with down payment assistance.

I'd welcome the opportunity to speak with you about your specific needs. Either way, good luck to you in your pursuit of a home.

Solomon Greene
Georgia Real Estate Brokers Associate
REALTOR®
Keller Williams Realty Atlanta Partners
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Wed Jun 21, 2017
Solomon Greene answered:
Timothy,

When Metro Atlanta Real Estate goes under contract, the status in the Atlanta MLS systems often changes to "pending" to indicate that the property is no longer available for sale at a given time. Sometimes the status reads "POA" for pending offer approval from an outside party, such as the mortgagee. This is an indication that the property may be a short sale. Regardless, please don't be overly discouraged if a property that you like displays the "Pending" status because it hasn't sold. Again, it is only under contract. Metro Atlanta Homes for Sale often return to market for any number of reasons and that status could change to "B" for back on market.

Good luck with your home search.
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Thu Jun 15, 2017
SC1828 asked:
Hi. I purchased my home a year ago and I am having issues that are covered under the warranty. Although it clearly states on the purchase agreement that the seller is to provide a 1 year…
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Tue Apr 25, 2017
Solomon Greene answered:
Hello,

There are multiple local programs here that may work for you in most cases, whether you've owned a home or not. At least two grant programs (that are not yet posted to the link below) automatically come to mind. Would love the opportunity to speak with you when time permits. Thanks.

Solomon Greene
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Tue Jan 3, 2017
Solomon Greene answered:
Hey Sonya,

Those fees do raise concerns among lenders, but my clients have been able to close once they were explained. Of course, there were only a few of these types of fees on their statements. Too many of them on the statements of other clients did, in fact, cause their loan to be denied.

Solomon Greene
678-775-2677
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Sun Jun 19, 2016
Gabby7604 answered:
Hi I have a question about short sales/ home loan. My friend is going through a foreclosure and is short selling her home for over 100k < that she paid. However, at the same time she is looking for a new home. When I asked how did she get a loan, she said that the banks are 'allowing' short sales due to the depreciation of the home, and is only looking at her income. So, as long she has the income to pay her 'new mortgage' she can qualify for another.So the banks are 'forgiving' her mistake of overpaying a home ???? How can this be Can you explain? How can she not pay for her home to the point of foreclosure and qualify for a new mortgage? ... more
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Thu Jun 16, 2016
Ebonimicy answered:
Only USDA approved lenders can help you with securing financing on a rural home in Georgia. http://usdalenders.org/georgia-ga/
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Fri May 27, 2016
answered:
Well said Solomon. Not so say that the builder's lender is always better- that's not the case. But that is precisely why builders incentify you use their lender of choice...so they can control things a little bit better by dealing with a known commodity. I'm surprised Q is offering a much lower rate. They are not really well known for having the best rates. Nor are they always proficient at closing purchases. They're a refi giant but leave a lot to be desired otherwise.

I'd recommend you set rate aside for a moment, talk to both lenders, ask any questions which concern you, and after talking to both of them pick who makes you feel the most comfortable.

What I can tell you about Georgia, at least right now, is that the market is so crazy there that if an outside lender drops the ball and causes delays there WILL be consequences- from the builder charging you daily penalties to pulling the deal altogether and selling to a backup offer. Things are insane there and I'm seeing 4-5 offers for every home. So be careful with who you select because it's your money at risk!
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Thu May 12, 2016
Arequay asked:
I just moved into a 3 bed home in Aug 15 and my family has expanded and now need a much larger house. My credit has dropped since moving in. What options do i have to possibly purchase a…
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Wed Jan 6, 2016
Mónica Lourdes B asked:
Buenas tardes. Necesito saber de que forma puedo acceder a un mortgage para extranjeros para comprar una propiedad en el estado de Georgia, actualmente vivo en Argentina. Muchas gracias
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Wed Dec 30, 2015
Solomon Greene answered:
Hello KT.

The USDA eligible area changed a couple of years ago.

http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do

But please let me know if it is 100% financing that you need. You can read about several programs available in Metro Atlanta (including Rockdale County) at the link below.

Thanks
Solomon Greene
678-775-2677
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Thu Nov 19, 2015
Joycemyersloancompany answered:
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Mon Aug 24, 2015
Jeri Patrick answered:
Please feel free to visit my website jeripatrickteam.com for lender information. Best of luck
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Wed May 27, 2015
Jeri Patrick answered:
I would contact a local lender to see what options you may have. Best of luck
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Fri Mar 20, 2015
Dawn Rainford answered:
It is always advisable for a Buyer to have a Real Estate Professional represent them in a
Transaction. In most cases the Seller pays the commission. The Selling Agent represents the
Buyer in a Transaction, and the Listing Agent represents the Seller. When a property is being listed,
the commission is usually negotiated at that time.
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Fri Mar 20, 2015
Dawn Rainford answered:
Just listed 1497 St. George's Pl NE, Conyers. 4Bed 3 Bath with Marble Entrance Floor, Granite countertop with Ceramic Floor in the Kitchen. Hardwood throughout the Main Area. Large Sitting Room in the Master Bedroom. Separate Living And Dining Areas with Large Family Room. Walls are Designer Colors throughout. The Sun-lit Loft is overlooking the elegant Entrance. Reasonably priced in a quiet Neighborhood. Want to see more ' nice' houses, visit our website at: www.AtlantaCityHomeSearch.com. ... more
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Sat Jul 19, 2014
tabbycatnu asked:
It was taken off market on 7/15/14 but no further info is available.
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Sun Jun 22, 2014
Robert Quitman answered:
You can go to great schools,com and look the demographics online. This will show you the test scores of the schools also. I do know of a home that was just renovated in Conyers,GA. that is for sale 3 bed 2.5 bath. Extremely large lot!

Robert Quitman
First United Realty
404 707 8068
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Thu Dec 12, 2013
answered:
I'm not sure what your actual question is, but this is a common occurence.

Appraisals generally use sales data from the past 3-6 months of comparable homes that have sold.

So they can certainly vary from month to month (or 6 months apart), since an appraisal is a snapshot of CURRENT market conditions.

Just like the price of a company's stock can vary from day to day and month to month, so can the value of homes.

The amount that someone paid for their home 6 months or 3 years ago has no bearing on what the market is willing to pay for it now.

Hope this helps!
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Sat Mar 2, 2013
Russ Ravary answered:
You can get the process started ie sign the purchase contract, do the inspection but you will not be able to close the loan until you get the lender 1 or 2 paychecks
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